RBS (One Account) Conveyancing Lender Panel Compliance Tool

COMPLETIONmonitor is an online pre- and post-completion checklist for residential conveyancing lawyers. Supported by the Council of Mortgage Lenders and PI insurers. It is a unique risk mitigation tool.

This software optimises the way you can demonstrate to lender panels that you are, and can stay fully compliant with their instructions, with alerts on RBS (One Account)’s changes. While using COMPLETIONmonitor is not a condition for acceptance on the RBS (One Account) panel, demonstrating you can remain up to date with RBS (One Account)’s Handbook requirements is a helpful support to your application to their lender panel and, more importantly, protect your panel status.

COMPLETIONmonitor creates real-time alerts, automatically produces SRA and CQS reports, and will enhance your firm's efficiency. It is also user friendly, cost-effective and, for many firms, results in a PII saving.

Find a Law Firm approved by RBS (One Account)

Mortgage companies frequently change their requirements. The UK Finance Lenders’ Handbook requirements from RBS (One Account) are not guidelines, they are instructions from a client. As with many clients, instructions can change - and they do change, over time:

A Timeline of Policy Changes


Since 2008, RBS (One Account) has made 326 revisions or additions to sections of their version of the CML Handbook.
That equates to a section change every 8.4 days. In total, 54% of the sections of P2 of the UK Finance Lenders’ Handbook for RBS (One Account) have been changed since 15/12/2008.

To find out more about lender panel compliance,

Book a Personalised Demo

Recent Changes Include

# Date Assoc. Changes Related To
5.7.1a 02/12/2016 CML
Flying Freeholds
The Royal Bank of Scotland plc One Account panel lawyers clarification as to whether they lend on flying freeholds
Flying Freehold Indemnity Insurance
5.7.1b 02/12/2016 CML
Freehold Flats
The Royal Bank of Scotland plc One Account approved lawyers clarification as to whether they lend on freehold flats
Flying Freehold Indemnity Insurance
6.7.1 23/08/2016 CML
New Build Conveyancing
The Royal Bank of Scotland plc One Account approved conveyancer requirements for New Build Conveyancing : Home Warranty Schemes
6.7.1 25/09/2015 CML
New Build Conveyancing
The Royal Bank of Scotland plc One Account approved conveyancer requirements for New Build Conveyancing : Home Warranty Schemes
6.7.1 25/08/2015 CML
New Build Conveyancing
The Royal Bank of Scotland plc One Account panel conveyancer requirements for New Build Conveyancing : Home Warranty Schemes
6.7.4 13/01/2015 CML
New Build Conveyancing
The Royal Bank of Scotland plc One Account panel conveyancer requirements for New Build Conveyancing : will the The Royal Bank of Scotland plc One Account proceed if the property does not have the benefit of a new home warranty scheme
3.1.4 01/12/2014 CML
details of the seller's solicitors or licensed conveyancers
5.5.1a 01/12/2014 CML
requirements in terms of time for planning consents
6.14.2 01/12/2014 CML
requirement that all insurance risks are included
6.14.1 01/12/2014 CML
Building Insurance
The Royal Bank of Scotland plc One Account panel lawyers additional requirements concerning building insurance

Last update 09/11/2019

RBS (One Account) Conveyancing Panel Example Support Desk Enquires from members of the public

I have just been informed by my mortgage broker that my the law firm I have appointed is not on the RBS (One Account) Solicitor panel. How can I be sure that this is correct?
You need to contact your conveyancer. You lawyer should advise you of the situation. If they are not on the panel they may recommend you to a firm that is on the conveyancing panel for RBS (One Account).
I am buying a newly built duplex and my lawyer is telling me that she has to disclose incentives from the developer as her firm is on the RBS (One Account) conveyancing panel. I am under pressure to sign contracts and I dont want to prolong the conveyancing. Can I insist on an exchange regardless of what my lawyer says about being on the RBS (One Account) panel?
You should not exchange unless you have advised to do so by your lawyer. A precondition to being on the RBS (One Account) approved panel is to comply with the CML Handbook requirements (last updated for this lender on RBS (One Account)). The CML Conveyancing Handbook requires that your lawyer have the appropriate Disclosure of Incentive form completed by the developer and accepted by your lender.
Your search tool is useful but there are many lawyers listed near Leeds on the RBS (One Account) conveyancing panel. Can you recommend a specific firm on the RBS (One Account) approved panel?
We are not in the business of recommending one firm above another as the right firm for you depends on where your priorities lie. For example you may require a local firm with local knowledge or you might be looking for the low cost conveyancing. We recommend that you speak to 3 or 4 lawyers listed before you make your choice..
I am trying to get my ex-wife taken off the mortgage deeds. Can RBS (One Account) really insist on which solicitor I can or can not retain?
You can use any solicitor you like but RBS (One Account) then has the right to appoint a different solicitor to act for them at your expense. It might be more cost effective and quicker to instruct a lawyer who is on the RBS (One Account) solicitors panel
I have had an offer accepted on a house I spoke to a lawyer recommended by my dad and he recommended instructing a solicitor approved by RBS (One Account). The estate agent recommended two local firms so I asked RBS (One Account) if the 2 suggested solicitors are approved, which they are not. RBS (One Account) pointed out that either practice can fill out the appropriate forms to become approved. Do I (1) save myself the aggravation and use one of RBS (One Account) 's conveyancing panel solicitors (2) Use the local solicitor and accept there may be delays etc as they go through the approval process.
Enquire of RBS (One Account) for conveyancing panel firms in your area. Lenders have them all over the country. You can also use our search tool at the top of this page to search for a lawyer on the RBS (One Account) conveyancing panel based on location. If you particularly like the sound of one of the local lawyers that you have spoken to ask them if they would go onto RBS (One Account) conveyancing panel as it may only take about 2-3 weeks. As long as they meet RBS (One Account)’s requirements it can be a very simple job for the solicitor. Other stuff will be going on in parallel (as you are at an early stage) so it may not delay matters.
It is not clear whether my mortgage offer requires a lease extension . I have called into my local branch RBS (One Account) on numerous occasions and told it wasn't a problem and they would lend. My solicitor - who is on the RBS (One Account) conveyancing panel- telephoned and was told not they would not lend in accordance with their CML Handbook minimum lease term requirements. Who do I believe?
Your lawyer has to follow the CML Handbook Part 2 requirements for RBS (One Account). Unless your lawyer obtains specific confirmation in writing that RBS (One Account) will go ahead your lawyer has no choice but to refrain from exchanging contract and committing you to the purchase. We would suggest that you ask RBS (One Account) to contact your lawyer in writing confirming that they will accept the remaining number of years left on the lease.
My offer on house has been accepted, the seller does however have a dependent purchase. The vendors have offered on somewhere, but not been accepted yet, and have viewings of other properties booked. My conveyancing solicitor has been instructed. What do I do now? At what point should I appy for the mortgage with RBS (One Account)?
It is usual to have concerns where there is a chain as you are unlikely to want to be too out of pocket too early (mortgage application is approx £1k, then survey/valuation, conveyancing search costs, etc). First you should check that your solicitor is on the RBS (One Account) conveyancing panel. As to the next stages this very much depends on the circumstances of your case, desire for this property and on the state of the market. In a hot mortgage some buyers would pally for the mortgage with RBS (One Account) and pay for the valuation and only if it comes back ok would they pay their solicitor to press on with searches.